Cigna Dentist near Me
Cigna® Dentist in Stratford, CT
One of the reasons patients avoid visiting the dentist is the cost of services. Many patients associate dental care with being incredibly expensive. Here at Hawley Lane Dental, your top family dentist in Stratford, we do things differently. We take the time to carefully review all treatment costs, dental insurance coverage, and provide an accurate out-of-pocket estimate for our patients. Our knowledgeable dentistry team members work with dental insurance providers like Cigna on a regular basis, and we are happy to apply for benefit pre-authorization on your behalf to ensure you know exactly what costs to plan for before you come in for treatment.
Working with dental insurance plans can sometimes be confusing and frustrating. As a dentist that takes Cigna dental insurance, we are here to help, so please don’t hesitate to reach out to our team with questions you may have about coverage or pre-authorizations. We’re happy to process and file dental insurance claims for our patients’ PPO benefit plans, and we are in-network providers for a number of insurers, including Cigna Dental. If you have questions about your Cigna dental plan, call our Stratford dental office near you to set up a consultation. We’ll work with you to answer questions about your coverage, and review your policy and treatment options.
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How Your Cigna Dental Insurance Plan Works
As a dentist near you who accepts Cigna Dental Plans, we understand that every plan is unique based on your employer’s arrangement with Cigna and your coverage options. At Hawley Lane Dental, we accept Cigna plans and regularly work with Cigna Dental plans, and our team is happy to help you understand your specific dental plan’s coverage options. Once we review your policy and your treatment needs, we can provide accurate out-of-pocket cost estimates for upcoming planned services.
Like most dental insurance, Cigna’s dental plans pay for a percentage of the cost of your treatment. In addition to covering specific dental maintenance and care, Cigna also outlines what they consider to be the average price for each treatment or procedure and the coverage percentage up to a maximum covered price. Finally, your plan will also have an annual maximum amount covered by Cigna. This is the highest dollar amount your plan will cover for all dental services in any given year, any additional expenditures are up to the patient to cover out of pocket.
Maximize Your Cigna Coverage with Preventive Care
Understanding dental insurance coverage can be confusing and frustrating. Don’t worry, as a dentist who takes Cigna insurance, our team is here to help make sense of your options and help you plan the best way to maximize your coverage. The best way to ensure you’re getting the maximum benefit from your dental insurance is by going to see your local family dentist to maintain a regular preventive care schedule -regular cleanings, exams, and even dental repair work help keep your mouth healthy and in turn, keep costs down. The preventive dentistry services we offer here at Hawley Lane Dental often receive 80-100% coverage from Cigna Dental. These regular recurring appointments are the best way to keep a healthy smile and avoid the need for more advanced dental work and complex procedures that can cost more and require more time and effort on your part in the long run.
Benefits of In-Network Dental Care
In-network dental coverage essentially means that our Stratford dental office is a Cigna dentist and has agreed to your dental insurance plan’s “fair and average” pricing. What does this mean for you? For one, you get more consistent care at a lower out-of-pocket price. Because we only charge fees that have been previously agreed upon, you will only be responsible for the out-of-pocket portion of the cost, while Cigna covers the rest. Patients who work with out-of-network providers may need to pay the difference in cost between Cigna’s fair pricing and your dentist’s fees, in addition to any out-of-pocket treatment costs.
This difference in price is often minimal but can vary. Ensuring you’re working with a Cigna dentist in-network provider will ensure that you don’t need to worry about these additional expenses.
Cigna Dental Limitations and Restrictions
Standard Cigna Dental plans include frequency limitations for the following dental procedures:
- Dental cleanings – 2 per calendar year
- Dental exams – Routine: 2 per year. Problem-focused: 2 per year
- Pediatric fluoride treatments – 1 per year for children under age 16
- Bitewing X-rays – one set per calendar year
- Full mouth X-rays – one set every 3 rolling years
- Dental sealants – 1 per tooth every 3 rolling years under age 16; permanent molars only
- Scaling and root planing (deep cleaning) – 4 separate quadrants every 2 rolling years
- Periodontal maintenance – 2 per the calendar year following active therapy
- Gingivectomy – 1 per quadrant or site every 3 rolling years
- Periodontal Osseous surgery – 1 per quadrant every 3 rolling years
- Space maintainers – no age limit (covered for premature loss of primary teeth only)
- Denture and crown replacement – must be at least 8 years old
- Dental implant and Implant-supported denture – coverage varies – call for details
Please see your specific Cigna plan documentation or call our Stratford dental office for more information. We will be happy to make sure that you are maximizing your benefits coverage while limiting any out-of-pocket costs you may incur.